Paying the SBI credit card bill on time is very important as failing to pay the bill on time leads to late payment charges. The interest and other applicable taxes can also arise and increase the overall due. So, payment of the SBI credit card bill on time saves you from these extra charges. SBI offers a variety of methods, both online and offline, to pay your credit card bill with ease.
Investmentcover provides you with the various online and offline credit card bill payment methods with a detailed guide.
State Bank of India provides fast and easy methods to pay your credit card bills easily and securely. Online payment methods save your time and energy as you can pay your bills without having to physically go to the bank or stand in queues. SBI provides 14 different options for you to pay your credit card bill. All these options are detailed below for your convenience.
| Online SBI | NEFT | RTGS | NACH |
| Debit Card | Paytm | UPI | YONO |
| Paynet-Pay Online | SBI Auto Debit | Visa Credit Card Pay |
| Mobile App | Mastercard Money Send | Electronic Bill Payment |
Log in to your SBI current or savings account on the official SBI website and pay your SBI card dues online. You can pay your dues anywhere and anytime without the hassle of standing in a queue through this method of payment.
I. Register your SBI credit card on the website
II. Pay your bills
The payment will reflect instantly on your SBI credit card account. Please keep a note of your reference number for any future enquiries.
NEFT (National Electronic Transfer Fund) is a fast and secure system of money transfer from one bank to another. Customers can pay their SBI credit card outstanding through any bank account using the IFSC SBIN00CARDS. Customers can make payments anytime at their convenience from any bank (except SBI) that offers the NEFT facility.
How to pay using NEFT?
The payment will reflect within 3 banking hours (if done by 3:30 pm) in your SBI credit card account.
RTGS (Real Time Gross Settlement) is an electronic form of continuous (real-time) settlement of funds individually on an order by order basis (without netting). In RTGS, the processing of instructions all the time they are received rather than some time later. Also, the settlements of funds transfer instructions occur individually (on an instruction by instruction basis). Payment through RTGS is very easy. You will have to register your SBI card as a beneficiary at your respective bank. The details are
How to pay using RTGS?
The payment will reflect within 3 banking hours (if done by 3:30 pm) in your SBI credit card account.
Use the net-banking facility provided by your bank to pay your credit card dues. Make the payment anytime and anywhere.
How to pay using Paynet-Pay Online?
How to pay without logging in to your SBI card online account?
The payment will reflect instantly on your SBI credit card account.
Choose for the convenience of paying your SBI credit card bill on-the-go through the SBI card mobile app, available Apple iOS, Android and Windows app store.
How to pay using the SBI Mobile App?
The payment will reflect instantly on your SBI credit card account.
UPI (Unified Payment Interface) is a payment system that allows money transfer between multiple bank accounts through a smartphone. It merges several banking features, seamless fund routing and merchant payments into one hood. You just need to download the BHIM SBI Pay app and then pay the required bill.
How to register on BHIM SBI Pay?
How to pay SBI credit card bill?
The payment will reflect instantly on your SBI credit card account and an SMS will be sent with the available credit limit.
You can use your debit card of other banks to pay your SBI credit card bills online with ease. Listed below are the banks whose debit cards can be used to pay your SBI credit card bills:
How to pay using Debit Card?
The payment will reflect instantly on your SBI credit card account.
You can now pay your SBI credit card bill through Paytm anytime and anywhere. Paytm allows for instant payment of your credit card bill. Paytm provide you with flexible payment methods for your credit card bill payment. You can pay through a debit card, net banking and UPI. So, you can pay your SBI credit card bill hassle free through any option you want.
How to pay using Paytm
The payment will reflect within 3 working days in your SBI credit card account.
Visa credit card pay is a mode of facility which allows you to enjoy the convenience of transferring funds 24/7 from any resident bank account to any SBI Visa Credit Card, within India using your Net-banking facility. It is a quick and secure way to pay your bills.
How to pay your SBI Visa Card dues through Visa Credit Card Pay?
The payment will reflect within 3 working days in your SBI credit card account.
Use third party apps/platforms that support Mastercard Platform to pay your Master SBI credit card outstanding in an easy and secure way.
How to register and pay using Mastercard Money Send?
You can easily pay your SBI credit card bills directly through your bank account using the Electronic Bill Pay facility. You can get this facility through Net banking, ATM or Mobile service of State Bank of India, Indian Overseas Bank, Citibank and Bank of India. So, now you have multiple channels to pay your SBI credit card bill online thanks to the Electronic Bill Payment service.
How to pay using Electronic Bill Payment?
The payment will reflect in your SBI credit card account within 3 working days.
National Automated Clearing House (NACH) saves you the effort of issuing a cheque every month for the payment of your SBI credit card bills. You need to authorize your SBI card. Once you authorize your SBI credit card, the amount will be deducted directly from your bank account and your card account will be credited on the payment due date. You will first need to register for this service to be able to utilize it.
With NACH, you can make your payments on time, every time without fail as you won’t have to worry about remembering the due date. There would no late payment fees, no need to issue cheques and no need to search for drop boxes.
How to set up NACH and pay using it?
The payment will be debited from your bank account on your Payment Due Date.
SBI auto debit allows you to get your SBI card dues debited directly from your SBI bank account. Get the amount deducted directly from your SBI bank account on the due date. This will allow you to make the payments on time without fail. Credit limit will release subject to realization of funds. You will need to register for this service in order to be able to use it.
How to enroll for SBI Auto Debit?
SBI Card, Correspondence Department,
DLF Infinity Towers, Tower C,
10-12 Floor, Block 2, Bldg 3,
DLF Cyber City, Gurgaon – 122002, Haryana, India
Once the registration is complete, the payment will get debited from your SBI card account on your payment due date.
As you register for this service, you would need to choose between the total amount due and the minimum amount due on your credit card that would be debited every month.
YONO (You Only Need One) is an integrated digital banking platform offered by SBI to enable its users get access to a variety of financial and other services like ticket bookings, online shopping, bill payments etc. under one roof. Now you can opt for the convenience of paying your SBI credit card bill on the go through the YONO app or YONO website. YONO app is available for both Android and iOS.
YONO simplifies banking as its interface is easy to understand, its navigation is simple and intuitive and it has the facility of Instant Payment Credit.
How to register on YONO?
How to link SBI credit card on YONO?
How to pay using YONO app?
How to pay using YONO portal?
The payment will reflect instantly on your SBI credit card account.
| Online Method | Processing Time |
| Online SBI | Instantly |
| NEFT | 3 working hours (if payment is done by 3:30 pm) |
| RTGS | 3 working hours (if payment is done by 3:30 pm) |
| Paynet-Pay Online | Instantly |
| Mobile App | Instantly |
| UPI | Instantly |
| Debit Card | Instantly |
| Paytm | 3 working days |
| Visa Credit Card Pay | 3 working days |
| Mastercard Money Send | - |
| Electronic Bill Payment | 3 working days |
| NACH | Payment gets credited on due date |
| SBI Auto Debit | Payment gets credited on due date |
| YONO | Instantly |
1. How to make SBI credit card bill payment online?
You can use any of the 14 options like NEFT, Mobile App, Paytm, YONO, UPI etc. listed above to make SBI credit card bill payment online. Just follow the steps of the method of your choice and pay your SBI credit card bill easily and securely.
2. How to print receipt for SBI credit card online bill payments?
Follow the given steps to print receipt for SBI credit card online bill payment:
3. The payment is not reflecting in my SBI credit card even after the processing time. What should I do?
If there has been a bank holiday during your SBI credit card processing time, you may want to wait another day. You can also write to SBI at sbicard.com/email or call at their helpline number 1860 180 1290 or 39020202 (STD code) to check the details of your SBI credit card payment process.
4. What is NEFT?
NEFT (National Electronic Transfer Fund) is a fast and secure system of money transfer from one bank to another. Customers can pay their SBI credit card outstanding through any bank account using the IFSC SBIN00CARDS. Customers can make payments anytime at their convenience from any bank (except SBI) that offers the NEFT facility.
5. How can I know if my bank is part of a NEFT network?
You can get the list of bank branches that are a part of NEFT funds transfer network on the website of Reserve Bank of India. You can also log on to your bank’s website to check if your bank allows NEFT. Currently, about 220 banks offer NEFT facility.
6. What is IFSC code? What happens if I provide the wrong IFSC code?
Indian Financial System Code, or IFSC, is an 11-digit alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. IFSC for SBI Card is SBIN00CARDS. If a wrong IFSC code is provided, then the payment is transferred to the branch whose IFSC code has been provided. You will then need to contact the respective branch whose IFSC code has been provided and settle the issue with them.
7. Will I get confirmation for a successful transaction?
Yes, you will get a confirmation for successful transaction on your screen once you make the payment. In case of a successful transaction, your screen will display a message of “Success”. In case of a non-successful transaction, your screen will display a message of “Failure”. You will also get acknowledgments in the form of E-mail and SMS.
8. What should I do if I enter the wrong credit card number?
If you have entered the wrong credit card number, you should call the SBI credit card helpline as soon as possible. The SBI credit card helpline numbers are:
9. What is Online SBI?
Online SBI is a banking facility provided by the State Bank of India through which you can pay your SBI credit card bills online at https://www.onlinesbi.com/ if you have a State Bank of India savings or current account.
10. What is Electronic Bill Payment?
Electronic Bill Payment is a mode of online payment through which you can pay your SBI credit card bills online directly from your bank account through bill pay service of your bank’s netbanking, ATM or mobile service.
11. Is it mandatory to have SBI bank account number to use YONO web or YONO app?
Yes, it is mandatory to have an SBI bank account number to use YONO web or YONO app as you cannot use any other bank’s account to pay your SBI credit card bill through YONO. You can login to YONO using your SBI ATM card details as well.
12. Can I pay my SBI credit card bill using any Debit card?
No, you cannot pay your SBI credit card bill using any debit card. You can only use the debit cards of the following 6 banks to pay your SBI credit card bill online:
13. What should I do if the bank I wish to make the payment from does not feature on the list?
If the bank you wish to make the payment from does not feature on the SBI list, then you can use other payment options from the extensive list given above. For example, you can make the payment through your bank account using your bank’s NEFT facility. The IFSC code of SBI card is SBIN00CARDS.
14. What is a Virtual Payment Address (VPA)?
"Virtual Payment Address" is a virtual id that takes a form of uniqueid@sbi wherein “uniqueid” is a unique name that you can choose for yourself. State Bank of India’s UPI app “SBI Pay” gives customers the option to create any number of virtual addresses so that they can use the virtual address for making and receiving payments and transacting with UPI integrated merchants.
SBI also provides you with 4 offline methods to pay your SBI credit card bill. You can pay your bill with any of these options if you do not want to pay the bill online and want to go for the traditional methods. These methods also come in handy when the internet is not working properly. All the options are detailed below for your convenience.
| 4 METHODS FOR SBI CREDIT CARD BILL PAYMENT OFFLINE | |
| Over the Counter | Cheque – Electronic drop box |
| Cheque – Manual drop box | SBI ATM |
1. Over the Counter
Pay your SBI credit card bill over the counter at any SBI branch in India and get an instant receipt.
How to pay using Over the Counter?
The payment will reflect within 2 working days in your SBI credit card account.
2. Cheque-Electronic drop box
If you want to make your SBI credit card bill payment through a cheque, then you can drop your cheque in an electronic drop box and receive an instant receipt.
How to pay using Cheque-Electronic drop box?
The payment will reflect within 4 working days in your SBI credit card account and credit limit will be released post clearance of cheque.
Important instructions regarding the electronic drop box.
3. Cheque-Manual drop box
Pay your SBI credit card bill the traditional way by dropping your cheques at any of the 500+ SBI drop boxes available across the country.
How to pay using Cheque-Manual drop box?
The payment will reflect within 4 working days in your SBI credit card account and credit limit will be released post clearance of cheque.
Important instructions regarding the manual drop box.
4. SBI ATM
Pay your SBI credit card bill at any SBI ATM across India using your SBI Debit Card. SBI ATMs are widely available and are safe, secure and provides you with the facility to collect instant payment receipts.
How to pay using SBI ATM
The payment will reflect within 2 working days in your SBI credit card account.
| Online Method | Processing Time |
| Over the Counter | 2 working days |
| Cheque – Electronic drop box | 4 working days |
| Cheque – Manual drop box | 4 working days |
| SBI ATM | 2 working days |
1. Are non-CTC cheques accepted for payment?
Yes, non-CTC cheques are accepted for payment of SBI credit card outstanding. However, as per the Cheque Truncation System (CTS) guidelines, the banking of such cheques will happen only on Monday. Also, while writing the cheques, fill in your SBI credit card number and amount exactly and do not over-write as cheques with alterations and corrections will be returned unpaid.
2. What should I write as “Payee Name” while making the payment by cheque to SBI card?
In order to make your SBI Card payment through cheque, the ‘Payee Name’ used will be “SBI Credit Card xxxx xxxx xxxx xxxx (your 16-digit credit card number)”.
3. What should I do if there is any problem in the amount credited in my SBI account?
If there is any problem in the amount credited in your SBI account, then you need to share the bank certificate issued by your bank confirming the transaction, and send it to SBI at the following address:
SBI Card & Payment Services Private Limited IP.O. Bag No.28, GPO, New Delhi - 1100014. Will any amount be charged on making the payment through cheque?
Yes, a fee of Rs 100 + taxes will be charged if you make you SBI credit card outstanding through cheque. This fee is not applicable for Senior Citizens. If you want to make you SBI credit card outstanding payment digitally instead, you can visit https://sbicard.com or use the SBI Card App.
5. How long does it take for the payment made through cheque to reflect in my SBI account?
Cheques dropped in Metro locations will take 4 working days to get processed, while cheques dropped in non-Metro locations will be take 6 working days to get processed and start reflecting in your SBI Card account. Also, the cheques dropped on Saturday after 12 o’clock will start getting processed from the next working day onwards.
6. What are the different ways of making payment through Over the Counter (OTC) service?
The different ways of making payment through Over the Counter service are:
7. Is there any charge for using Over the Counter service to make the SBI credit card payment?
Yes, there is a charge of Rs 199 + service tax for all the cash payments done through SBI Over the Counter service. However, there is no charge for Over the Counter payments made through transfer or cheque.
8. What is the maximum cash amount that can be deposited on making payment through Over the Counter service?
The maximum cash amount that can be deposited on making payment through Over the Counter service is Rs 49,999 per transaction. However, there is no limit for Over the Counter payments made through transfer or cheque.
9. What should I do if there is a difference in the amount mentioned in the receipt compared to the amount mentioned in the CBS payment file?
CBS is the amount entered by the teller while accepting the payment. SBI receives the amount as mentioned in the payment file from CBS. In case of difference in the amount mentioned in the receipt and that in the CBS file, you should take this matter to the respective branch authorities and ask them to examine the account. You should also contact the SBI credit card helpline number 1860 180 1290, 1800 180 1290 or 39020202 (STD code).
10. Can I pay my SBI credit card outstanding through a non-SBI ATM card?
No, you cannot pay your SBI Card outstanding through a non-SBI ATM. You will need to have/ use an SBI Group ATM card (State Bank of India or its associate banks) to do the same.